Can I refinance with a foreclosure 3-4 years ago?

It's possible.. FHA allows you to get a mortgage so long as 3 years has passed since your foreclosure, but for conventional, you need to wait 7 years.. FHA will have lower rates, but regardless of what your loan to value is, you will pay mortgage insurance. If you have VA benefits available to you, you can use that for refinancing, and no mortgage insurance necessary. .. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com NMLS# 226347